Discounted Cash Flow
CNO Financial Group, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $4.0b | $358.2m | $759.5m | 9.0% | $2.03 |
| 2017 | $4.3b (7.8%) | $175.6m (-51.0%) | $613.1m (-19.3%) | 4.1% (-54.5%) | $1.03 (-49.3%) |
| 2018 | $4.3b (0.4%) | $-315.0m (-279.4%) | $317.8m (-48.2%) | -7.3% (-278.7%) | $-1.90 (-284.5%) |
| 2019 | $4.0b (-6.9%) | $409.4m (230.0%) | $696.7m (119.2%) | 10.2% (239.6%) | $2.62 (237.9%) |
| 2020 | $3.8b (-4.8%) | $301.8m (-26.3%) | $735.5m (5.6%) | 7.9% (-22.5%) | $2.12 (-19.1%) |
| 2021 | $4.1b (7.9%) | $441.0m (46.1%) | $598.3m (-18.7%) | 10.7% (35.4%) | $3.43 (61.8%) |
| 2022 | $3.6b (-13.2%) | $396.8m (-10.0%) | $495.4m (-17.2%) | 11.1% (3.7%) | $3.43 (0.0%) |
| 2023 | $4.1b (15.9%) | $276.5m (-30.3%) | $582.9m (17.7%) | 6.7% (-39.9%) | $2.44 (-28.9%) |
| 2024 | $4.4b (7.3%) | $404.0m (46.1%) | $627.7m (7.7%) | 9.1% (36.2%) | $3.81 (56.1%) |
| 2025 | $4.5b (0.9%) | $229.3m (-43.2%) | $675.7m (7.6%) | 5.1% (-43.7%) | $2.35 (-38.3%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.